When you're sastified with the result, it's time to extract the shawl.
Add a background under extracted model, I use lake 1 image to help you see the result clearly. Choose model layer, hit Cmd/Ctrl+Alt+2 to load bright parts of picture. Hit Cmd/Ctrl+J to copy this part into a new layer, change opacity to 50%. Come back to model layer, load bright parts by Cmd/Ctrl+Alt+2 again. Take Erase Tool ( hit E to active it) with opacity about 70% and paint within the part which we need to remove white background. Remember that you should do it gently and avoid the contour of shawl and dress. Erase until you get desired look.
Merge two these layers.
This step is done because a part of umbrella is missed. Move model after being merged into our document, resize and place her on the lake.
I use a closer-up shot of this model. Copy the part shown in screenshot below and drag it into our canvas, resize to make it smaller. Add layer mask to make this part blend well with the rest of umbrella:
To make model get a more delicate look, I use Liquify Tool. On model layer, choose Filter-Liquify-Forward Warp Tool:
Pull in the shoulder, arm, face, waist of model to make them slimmer:
This is result I get:
Add layer mask for model layer , use black brush with hardness about 10% to blur dress bottom. Try to make the masked part round to get rid of flat effect:
I aim to set the main light souce to come from upper left and fall onto model back so she should have a shadow in front and to the right of her on the lake. To do it, I make a new layer under model layer, use soft black brush to paint on the lake as the image below shows. Lower opacity of this layer to 20%:
Name this layer as "model shadow".
Now we will create the reflection for model through the lake surface. Do the same technique in step 8 and use layer mask to blur some parts of it. Rename it "model reflection". Place this layer under "model shadow" layer.
In this step we will darken the part around model . Make two new layers which are set under model layers and with Multipy mode 100%. Use soft brush with color #b6bcd0 painting like the screenshot below shows:
Since this steps I'll use many layers with Clipping Mask to retouch model. If you use your own model, you may not go over as many steps as I do. But I hope that through my process of retouching, you will learn how to take care of details.
Make a new layer above model layer with Clipping Mask. If you forget how to add a layer with Clipping Mask option, look at step 4. I use Clone Stamp Tool to remove one part on umbrella. You can follow many good tutorials over the web about Clone Tool if you don't know how to use it properly.
I don't get sastified with the result after cloning so I take a new layer and use brush with color #52a2d0 painting on the part inside umbrella to brighten it a bit. Change the mode of it to Soft light 50%
New layer again and with same color for brush. I use it to paint an edge of umbrella to darken it a bit. Set the mode to Multipy 40%: